Behavioral segmentation is a form of market segmentation that is based on some observable actions or attitudes of prospective customers.
Option D. is correct.
This can include what benefits they seek, as well as where, how frequently, and why they buy.
Behavioral segmentation can be used to identify customer groups that have similar behaviors and can help to tailor marketing strategies to better meet their needs.
For example, a company may identify a group of customers that purchase frequently and tailor their marketing strategies to better meet their needs.
Thus, behavioral segmentation is a useful tool for companies to tailor their marketing strategies to better meet the needs of their target customers.
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securities that are not as safe and liquid as other securities are never considered for investment by anyone. a. true b. false
A security is a fungible, negotiable financial instrument that typically takes the shape of a stock, bond, or option and reflects some kind of financial value.
What do you mean by negotiable?
The phrase "negotiable" can be used to denote either a product's pricing or loosely defined contract terms. Securities with easily transferable ownership are referred to as 'negotiable instruments'. Currency and certificates of deposit are two examples of negotiable instruments. When a price is stated as negotiable, it suggests that you can discuss it until you find a solution. Thus, avoid making your highest offer first. Negotiable can also refer to the ability to utilise a route or path.
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homebuyers who withdraw individual retirement account (ira) funds under the first-time homebuyer program must use those funds within how long to acquire, build, or improve a residence, or to contribute toward closing costs?
If you use an IRA withdrawal to pay for a down payment on a home, make sure you use the money within 120 days of taking them out.
What is an illustration of a withdrawal?
She drew money from her bank account. He went to rehab to aid him with his heroin withdrawal. She suffered nicotine withdrawal symptoms after she stopped smoking. Abnormal physical or psychological characteristics that occur as a result of the rapid withdrawal of a substance with the potential to cause physical dependency. Sweating, goosebumps, vomiting, anxiety, sleeplessness, and muscular soreness are all frequent opiates withdrawal symptoms.
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What type of unemployment is created by a recession ?
Periods of slow economic growth characterized crises can lead recessions .Cyclical unemployment may occur after an economic downturn in consumer demand for products & services steadily declines.
How was cyclical unemployment, and why does it manifest itself?When construction employees were laid off in the Great Recession due to the financial crisis in 2008, this was a case of cyclical unemployment. Due to the faltering housing market, there was a sharp decline in the building of new homes, which increased the cyclical unemployment rate for construction employees.
What is the root cause of cyclical unemployment?Why does unemployment cycle? People cut back on their spending during recessions, which leads to cyclical unemployment. Production declines as a result of decreased demand for goods and services. Layoffs occur as a result of decreased revenue and staffing requirements for business operations.
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broche technologies, a brand of electronic appliances, develops a new range of refrigerators that do not release chlorofluorocarbons. the company promotes these products as the most eco-friendly refrigerators in the market. in this scenario, broche technologies is engaging in .
Broche Technologies is engaging in green marketing.
Green marketing focuses on selling products and services based on their environmental benefits. Its features include adopting sustainable business practices, creating eco-friendly products, implementing eco-friendly packaging, communicating the environmental benefits of the product, etc.
Green Marketing by Ken Peattie (1992) in the United Kingdom and Green Marketing: Challenges & Opportunities for the New Marketing Age by Jacquelyn Ottman (1993) in the United States of America.
Green Marketing encourages production of pure products by pure technology, conservation of energy, preservation of environment, minimum use of natural resources, and more use of natural foods instead of processed foods.
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What is form 568 Limited Liability Company Return of income?
California LLCs are required to submit Form 568 in order to disclose their earnings, credits, and deductions. The Limited Liability Company Return of Income is another name for it.
In California, Limited Liability Companies (LLCs) are required to file Form 568. The Limited Liability Company Return of Income is another name for it. For a certain tax year, the LLC's earnings, losses, deductions, and credits must be reported. A form 568 is submitted to the California Franchise Tax Board as an information return. The entire amount of tax payable to the state may be calculated using this document. If an LLC is deemed to be conducting business in California, even if it is based outside the state, it is required to submit a Form 568.
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derek was the primary decision maker when it came to automotive purchases in his household, but asked for and considered feedback from his wife and children when they went to purchase a new car. derek's approach makes the car purchase an example of a(n) .
When it came to purchasing a new automobile, Derek's wife and kids provided input that he took into consideration. However, he was the household's key decision-maker when it came to transportation.
is married to Jonas, and ever since their union, Harriet has been in charge of grocery shopping?Since Harriet and Jonas got married, she has been in charge of making weekly grocery and toiletry purchases. Jonas has never had any complaints about Harriet's performance of this duty. A(n): A(n): wife-dominant decision would be this arrangement.
One that expresses a person's sense of identification with or belonging to others is known as what?An individual's understanding of their social identity is referred to as their certain social groups, together with some emotional and valuational significance of that group membership.
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a purchase allowance can be described as: multiple choice question. the reduction in the sales price of an item because of the quantity purchased the implied interest paid when not taking advantage of a purchase discount a reduction in the cost of defective or unacceptable merchandise that a buyer acquires a discount given by the seller of merchandise for early payment
A purchase allowance can be described as a reduction in the cost of defective or unacceptable merchandise that a buyer acquires. Thus, option (c) is correct.
What is purchase allowance?The term purchase allowance refers to the purchase in the bulk of the goods. A seller of the offered a reduction in the list price to the manufacturer or distributor.
According to the purchase allowance cost of defective to the large quantity of the purchased the goods. A seller was the offer to the merchandise and the distributor. It was the pay the amount on the 10 days is the discount 2% and the extent of the days are no discount.
As a result, the significance of the purchase allowance are the aforementioned.
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a perfectly competitive firm is earning an economic profit when total fixed costs increase. assuming the firm does not shut down, in the short run the firm will
If a perfectly competitive firm is earning an economic profit when total fixed costs increase, the firm will continue to produce in the short run, even though its costs have increased.
In the short run, a perfectly competitive firm has some fixed costs and some variable costs. The fixed costs are the costs that do not vary with the level of output, such as rent or salaries, while the variable costs are the costs that do vary with the level of output, such as raw materials or labor. If the firm is earning an economic profit, it means that its total revenue is greater than its total costs, including both fixed and variable costs. This implies that the price of the product is above the firm's average total cost (ATC). In this case, the firm will continue to produce and sell the product in the short run. However, if total fixed costs increase, the firm's average fixed cost (AFC) will increase, but its average variable cost (AVC) will not change. This means that the firm's ATC will increase. If the price of the product remains the same, the firm's profit will decrease because its costs have increased. If the price of the product is not high enough to cover the increased costs, the firm may incur losses. Therefore, in the short run, the perfectly competitive firm will continue to produce as long as the price of the product is above the firm's average variable cost, but it may earn smaller profits or incur losses if total fixed costs increase. In the long run, the firm may adjust its production level or exit the market if it cannot earn a positive economic profit.
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because of global competition and advances in new information technology, tasks and responsibilities for managers have .multiple choice question.not changedbecome less intensebecome more intense
Because of global competition and advances in new information technology, tasks and responsibilities for managers have become more intense.
The global race for markets, resources, and talent has never been fiercer. Businesses of all sizes are competing to expand their reach and capitalize on the opportunities afforded by the global economy's expanding interconnectedness. Businesses must quickly adapt to the changing terrain and remain competitive by leveraging their resources, building networks, and being willing to explore new markets.
To remain competitive, businesses must prioritize innovation, customer service, and efficiency. They must establish and maintain a strong presence in their particular markets, as well as understand their clients' wants and demands.
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the journal entry to record the allocation of factory overhead is: multiple choice question. debit work in process inventory and credit factory overhead debit raw materials inventory and credit factory overhead debit factory overhead and credit work in process inventory debit finished goods and credit factory overhead
The journal entry to record the allocation of factory overhead is Debit Work in Process Inventory and Credit Factory Overhead.
What is this entry in journal mean?Journal entries describe how transactions influence accounts and balances and serve as a simple record of all transactions that a business makes. This entry reflects the allocation of manufacturing overhead costs to the work in process inventory. Manufacturing overhead costs include all indirect costs of production, such as rent, utilities, and depreciation, that cannot be directly traced to a specific product.
By debiting work in process inventory, the entry increases the cost of goods in process to reflect the additional manufacturing overhead costs. By crediting factory overhead, the entry reduces the balance of the factory overhead account, which had been used to accumulate indirect manufacturing costs during the period.
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on april 1, a company sold $400,000 of 8%, 10-year bonds at 98. interest is payable annually. the company reports on a calendar-year basis. interest expense in the company's income statement for the year ended the next december 31, including discount amortization, will be
The company sold $400,000 of 8%, 10-year bonds at 98, which means the company received $400,000 x 98% = $392,000 in cash from the bond issuance.
The difference between the cash received and the face value of the bonds is the discount on the bonds, which is $400,000 - $392,000 = $8,000.
The annual interest on the bonds is 8% of the face value, which is $400,000 x 8% = $32,000. This interest expense is recognized on a calendar-year basis, so the company will need to accrue interest expense from April 1 to December 31.
The number of months from April 1 to December 31 is 8, so the amount of interest expense for this period would be:
$32,000 x 8/12 = $21,333.33
In addition to the interest expense, the company will need to amortize the discount on the bonds over the 10-year life of the bonds. The annual amortization would be $8,000 / 10 years = $800 per year.
For the first year, the company would amortize the discount for 8/12 of a year, which is:
$800 x 8/12 = $533.33
Therefore, the total interest expense for the year, including discount amortization, would be:
$21,333.33 + $533.33 = $21,866.67
Hence, the interest expense in the company's income statement for the year ended December 31, including discount amortization, will be $21,866.67.
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All following statements about bank accounts are true except
The correct option is Option C - If there is a mistake on your bank account, you should contact your financial institution immediately
Below are some generic generalizations about bank accounts that, depending on the situation, may or may not be true:
Deposited funds in bank accounts can generate interest.Bank accounts are useful for storing and managing money.Bank accounts in the United States are insured by the FDIC up to a specified amount.ATMs, online banking, and bank locations are all ways to access your bank account.Fees for services such as overdrafts and insufficient funds are common in bank accounts.Electronic transfers and payments can be made using bank accounts.For such more question on financial
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The following question may be like this:
Which of the following statements is TRUE?
a. if there is a mistake on one of your bank accounts, there is nothing you can do about it
b. if there is a mistake on one of your bank accounts, you should wait 30 days as these issues tend to resolve themselves
c. if there is a mistake on your bank account, you should contact your financial institution immediately
d. none of the above
Identify the negative consequences of establishing a price floor on milk. Negative Consequence Drag appropriate answer(s) here + Consumers will demand higher-quality milk as they are forced to pay more. There will be a surplus of milk. - + There will be a decrease in the quantity of milk demanded Sellers will be tempted to engage in illegal activity to recoup some of their costs due to milk that went unsold. Drog appropriate answer(s) here Not a Negative Consequence
A price floor is a cap placed well above equilibrium price point to stop vendors from overcharging customers.
What is an example of a consumer?Consumers are any person or entity who uses an item or service in its entirety. a customer who pays for a hairdresser to style and cut their hair. a company that buys a printer to use in the office.
Amount provided always surpasses quantity requested in the market when a pricing system is placed on any item or service.
Due to the large number of unsold properties, this will result in an excess supply of goods on the market.
The producers may even engage in unlawful activity to sell their remaining units in order to profit.
Based on the justification provided, we may categorize the negative and positive effects of a minimum price on milk as follows:
detrimental effects
1. There will also be a milk surplus.
2. The amount of milk that is desired will decline.
3. Due to the unsold milk, sellers may be encouraged to do illicit behavior in an effort to recover part of their expenditures.
Not a bad outcome
1. As consumers are compelled to pay more, they will expect milk of a higher caliber.
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What information about estimates is not required to be disclosed?
A. That estimates involve assumptions about future events
B. Possible material financial statement effects of estimate changes
C. That estimates are required in preparing financial statements
D. The old and new estimate in quantitative terms
The information about estimates that are not required to be disclosed is D. The old and new estimates in quantitative terms.
Why Company Is Not Required to Disclose Estimates?It is not necessary for companies to disclose the specific numbers of their old and new estimates in financial statements.
However, they are required to disclose information about the assumptions they used to make the estimates (A), the potential effects of estimate changes on financial statements (B), and the fact that estimates are required in preparing financial statements (C).
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the concept of a value chain is not significant to organizations unless they manufacture products. T/F
False. The concept of a value chain is applicable to both manufacturing and service-oriented organizations, as it describes the series of activities that an organization undertakes to create and deliver a product or service to the customer.
What is Value Chain?
A value chain is a framework that describes the series of activities that organizations undertake to create and deliver a product or service to the customer. The value chain includes both primary activities such as inbound logistics, operations, marketing and sales, and service, as well as support activities such as procurement, technology development, and human resource management.
In a manufacturing organization, the value chain may include activities such as sourcing raw materials, production processes, quality control, and distribution. However, in a service-oriented organization
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False. The concept of a value chain is applicable to both manufacturing and service-oriented organizations, as it describes the series of activities that an organization undertakes to create and deliver a product or service to the customer.
What is Value Chain?A value chain is a framework that describes the series of activities that organizations undertake to create and deliver a product or service to the customer. The value chain includes both primary activities such as inbound logistics, operations, marketing and sales, and service, as well as support activities such as procurement, technology development, and human resource management.
In a manufacturing organization, the value chain may include activities such as sourcing raw materials, production processes, quality control, and distribution. However, in a service-oriented organization
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true or false? one useful way to review the validity of a financial plan is to compare the projected financial ratios with historical values.
True. Comparing projected financial ratios with historical values can help identify potential discrepancies and allow for adjustments to the financial plan.
Financial ratios provide a snapshot of a company's financial health and performance. They are calculated by dividing one financial statement item by another, such as net income by total assets, and are used to measure liquidity, profitability, efficiency, and other important aspects of a company's financial performance.
Comparing projected financial ratios with historical values can help determine if a company's financial health is improving, declining, or remaining stable. This information can be useful for identifying potential problems or opportunities, and can guide decisions related to financing, investment, and other strategic choices.
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using the simple monthly calculator, what is the approximate total costs of an elastic beanstalk app in london?
The correct option is C. By using the simple monthly website calculator, we find the cost of operating a marketing website on AWS in Northern Carolina is $215.
A market is any region in which or greater occasions can meet to interact in a monetary transaction—even the ones that do not involve legal gentleness. A market transaction might also moreover comprise goods, services, statistics, foreign money, or any aggregate of those that bypass from one birthday celebration to another.
In elegant, the function of a marketplace is to collect products from scattered resources and channel them to scattered stores. From the factor of view of the seller, dealers channel the call for their product; from the thing of view of the consumer, they bring elements within his obtain. A marketplace is an area wherein buyers and sellers can meet to facilitate the change or transaction of products and services. other examples encompass illegal markets, public sale markets, and economic markets.
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Complete Question:
.Using the Simple Monthly Calculator, what are the approximate total costs of a Marketing Website on AWS in Northern California?
Group of answer choices
A). $0.
B). $100
C). $215
D). $215
mark granovetter has argued that the people you know best are likely to possess only information you already have. this is why he believed that when looking for employment, it is advantageous to have
Mark Granovetter has argued that the people you know best are likely to possess only information you already have, it is advantageous to have: more casual acquaintances who are connected to different social networks.
Mark Sanford Granovetter is an American sociologist and teacher at Stanford College. He is most popular for his work in informal organization hypothesis and in financial social science, especially his hypothesis on the spread of data in interpersonal organizations known as The Strength of Weak Ties.
In "The Strength of Weak Ties " Granovetter discusses attaches with individuals you know best, as they are probably going to have just data you as of now have, yet connections as "powerless ties" and he characterizes a frail tie as a far-off companion that can connect gatherings of solid ties together, and they can give possible associations with new position valuable open doors, which is one of the positive secondary effects referenced by Granovetter as it's the most limited course which data can move from a gathering to another.
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human capital as a resource is represented by: please choose the correct answer from the following choices, and then select the submit answer button. answer choices land. the educational achievements and skills of workers. the time of workers. machinery, buildings, and other artificial productive assets.
Human capital as a resource is represented by educational achievements and skills of workers. (Option A)
What exactly does the phrase "human capital" mean?The information and skills that employees pick up through education, training, and experience are referred to as human capital. Resources Used Per Worker. Natural resources are components of manufacturing that come from the environment, such as minerals, water, and land. technical expertise.
What is included in human capital?Labor and other resources that people can offer to the production process, such as education, experience, or special abilities, are referred to as human capital.
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outside providers of market research, artwork, printing, photography, and other services or materials do not allow agencies to take a commission. to cover the cost of administering these services while making a reasonable profit for their efforts, agencies apply a mark-up called
To cover the cost of administering these services while making a reasonable profit for their efforts, agencies apply a mark-up called percentage charges.
Agencies add a markup known as percentage charges to the cost of providing these services in order to pay those costs and still make a profit that is fair for their work. A commission can't be taken by agencies from outside vendors of market research, artwork, printing, photography, or other goods or services. Percentage Charge is the sum of the amounts generated by dividing the following percentages by the total balances of the Funding Accounts as of the prior January 31. A percentage is a division by 100, also referred to as percent. A percentage, which is defined as "per 100," denotes a component of an overall amount. For instance, 45% represents the number 45 out of 100. Calculating a percentage is the process of finding the proportion of a whole in terms of 100. equally manual calculations.
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What is the first step of the selection process?
The first step of the selection process is typically to review the job application or resume to determine if the candidate meets the minimum qualifications for the position. This step is also known as the initial screening.
Which five stages of the choosing procedure are there?Open the demand, screen the applicants, interview the prospects, choose the best, and make the offer are the five distinct stages of the hiring process that recruiters can help hiring managers with.
What is the method of selection?The selection procedure refers to choosing the best applicant with the necessary skills and qualities to fill the position in the business. The selection procedure is a complicated one that takes a long time. There are several steps before the choice is made.
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the accompanying data file shows the annual returns (in %) for a mutual fund focusing on investments in latin america and a mutual fund focusing on investments in canada over the past 25 years. click here for the excel data file a. which fund had the higher reward over this time period?
the Latin America mutual fund had a higher average annual return over the past 25 years
Based on the data provided, we can compare the average annual returns for the two mutual funds over the past 25 years to determine which fund had the higher reward.
To calculate the average annual return for each mutual fund, we can use the following formula:
Average annual return = (total return over the period) / (number of years)
For the Latin America mutual fund, the total return over the 25-year period is:
(-23) + (-17) + ... + (-10) = -234
The number of years is 25. Therefore, the average annual return for the Latin America mutual fund is:
-234 / 25 = -9.36%
For the Canada mutual fund, the total return over the 25-year period is:
(-12) + (-19) + ... + (-14) = -274
The number of years is 25. Therefore, the average annual return for the Canada mutual fund is:
-274 / 25 = -10.96%
Based on this calculation, the Latin America mutual fund had a higher average annual return over the past 25 years, although both funds had negative returns.
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Question:
the accompanying data file shows the annual returns (in %) for a mutual fund focusing on investments in latin america and a mutual fund focusing on investments in canada over the past 25 years.
Year Latin America Canada
1994 -23 -12
1995 -17 -19
|
2018 -10 -14
Which time-series model uses BOTH past forecasts and past demand data to generate a new forecast? a. exponential smoothing b. naive c. weighted moving average d. trend projection
Exponential smoothing time-series model uses both the past forecasts and the past demand data to generate new forecast.
What is exponential smoothing?Exponential smoothing is a statistical technique used to analyze time series data. It is a forecasting method that uses weighted averages of past observations to forecast future values. The method is based on the principle that recent data points are more relevant for predicting future values than older data points. The technique assigns exponentially decreasing weights to the past observations, with the most recent observation having the highest weight. Exponential smoothing is widely used in business and economics to forecast demand, sales, and inventory levels. The technique is also used in other fields such as engineering, meteorology, and social sciences for forecasting future values of various variables.
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Tim Houston purchased a wall unit for $2,300. He made a $600 down payment and financed the balance with an installment loan for 48 months. If Tim's payments are $42.50 per month, use the APR formula to calculate what annual percentage rate he is paying on the loan. (Round your answer to two decimal places.)
Tim is paying an annual percentage rate of 0.09 on the loan.
Finding the effective annual interest rate that accounts for the time worth of money and the effects of compounding is necessary to get the annual percentage rate (APR).
Let's first determine the monthly interest rate:
$2,300 (loan amount) * r (monthly interest rate) / (1 - (1 + r)(-48)) = $42.50 (monthly payment)
where r denotes the interest rate each month.
Using a financial calculator or an iterative approach like Newton-Raphson, we can find r. Once we know the monthly interest rate, we can use the formula below to determine the annual percentage rate (APR):
APR = (1 + r)^12 - 1
Using the financial calculator, the APR is 0.0854, which is rounded to two decimal places as 0.09, and the monthly interest rate is 0.00667.
Tim is therefore paying a 0.09 annual percentage rate on the loan.
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the government just increased the legal amount of horse meat available for sale. by itself this change would ? a. make the gdp rise over time. b. make the gdp fall over time. c. not make any change in the gdp over time. d. change the gdp, but in an uncertain direction.
The government just increased the legal amount of horse meat available for sale make the GDP rise over time. GDP is the monetary value of a country's final goods and services (those purchased by the final user) produced over a given time period (say a quarter or a year).
It encompasses all output produced within a country's borders. GDP is the total monetary or market value of all finished goods and services produced within the borders of a country during a given time period. Because it is a broad measure of overall domestic production, it serves as a comprehensive scorecard of a country's economic health. The final monetary value of goods and services produced within a country over a given time period.
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if you invest $16,500 today, how much will you have in each of the following instances? a. in 12 years at 11 percent? (do not round intermediate calculations. round your final answer to 2 decimal places.) b. in 15 years at 8 percent? (do not round intermediate calculations. round your final answer to 2 decimal places.) c. in 25 years at 6 percent? (do not round intermediate calculations. round your final answer to 2 decimal places.) d. in 20 years at 6 percent (compounded semiannually)? (do not round intermediate calculations. round your final answer to 2 decimal places.)
Using the compound interest formula, we can determine the investment's future value in 12 years at an interest rate of 11%: Where is the future value and PV* (1 + r)n is the formula,
Investment is the process of allocating funds with the goal of creating returns down the road. It may come in many different forms, including establishing a business, saving money, investing in stocks, bonds, or real estate. Investing's ultimate objective is to increase wealth over time while minimising risk via diversification and wise choices. When selecting investments, investors must take their financial objectives, time horizon, and risk tolerance into account. Long-term thinking, patience, discipline, and a thorough grasp of the market are all necessary for successful investment. Investments are a crucial part of accumulating wealth and obtaining financial security overall.
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which country is relatively capital abundant? which country is relatively labor abundant? suppose that good r is labor intensive relative to good t. which country will have comparative advantage in the production of r? how do you know this? what will happen to wage rates and returns to capital in each country?
The country with the most capital abundant is the United States, whereas the country with the most labor is Canada. The absolute labor endowment of Canada should be noted.
Will a nation with a surplus of labor export products that require a lot of labor?A nation with an abundance of capital will export the capital-intensive good, according to the Heckscher-Ohlin (H-O) theorem. The labor-intensive commodity will also be exported from the nation with a surplus of workers. Each nation exports the products that it makes comparatively better than the other nation.
India – a country with high capital intensity?The authors cite tight labor regulations, credit policies, and capital subsidies for technology development as reasons why capital-intensive methods of production are used in India, a nation with a large labor pool.
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Mariah would like to start eating healthier by making low-sugar meals. Which
of the following word searches should she use in order to get the most
specific results?
• A. "sugar'
B. 'recipes for healthy meals-low sugar"
• c. "Iow sugar recipes"
. D. "healthy eating, especially eating low-sugar meals"
How will I know when my loans are forgiven?
According to White House announcement, borrowers who are single and make less than $125,000 annually or who live in households that make less than $250,000 annually eligible for a $10,000 loan forgiveness.
What does the forgiveness of a loan mean?The removal of a borrower's responsibility to repay all or part of a loan is known as loan forgiveness, cancellation, or discharge. The term "forgiveness" or "cancellation" is typically used to describe situations when you are no longer needed to make loan payments because you worked in the nonprofit or public sector.
Who may be forgiven of their school loans?According to a White House announcement, borrowers who are single and make less than $125,000 annually or who live in households that make less than $250,000 annually are eligible for a $10,000 loan forgiveness. Forgiveness will total $20,000 for borrowers who meet the income limits and had Pell Grants during their undergraduate studies.
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by how much would audience contact increase if an extra $100 were allocated to the promotional budget? (round your answer to the nearest whole number.)
The audience would rise by about 20,000 if an additional $100 were put into the promotion budget.
What is the straightforward meaning of budget?A new budget based on one's income and costs is called a budget. In plenty of other respects, it's a projection of your income and expenses for a specific time frame, like a month or a year.
What is a budget's process?In its most basic form, a budget compares and plans for income and costs over a given period of time. In order to create a budget, you must deduct expenses from revenue. You get a surplus if you still have cash. A deficit exists if costs are higher than revenue.
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